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What is cruise protection insurance?

What is cruise protection insurance?

For many people, a cruise is a one-off holiday of a lifetime. For others, cruises are the only way that they will travel. Whatever type of cruise you are planning  – and there are many to choose from short breaks to longer cruises – here are some of the things that you may want to know about cruise insurance:

  • essentially, it provides financial protection in a range of scenarios. It is similar to a standard travel insurance policy, but it also provides cover for events that are unique to cruise holidays;
  • different cover is provided for different values of cruises. If you are going on a round-the-world cruise on a luxury ship, the overall cost is likely to be greater than a three-day cruise;
  • specialist providers such as BengoTravel typically provide different levels of protection, ranging from £1,000 to £20,000 or more, so you can get the cover that meets your needs.

Insurance may also provide protection for individuals, couples or groups. You will need to decide which is the most suitable for your circumstances. You may even be able to find cover for single-parent families if this applies to you.



Medical cover

One of the things that cruise protection insurance typically covers is specific medical care cover. This is because when you are on a cruise, you are in a different situation compared to being on land, and you may need special cover.

For example, although the on-board doctor is there to provide assistance, in the event of a serious injury or illness, you may need to be hospitalised. Insurance may typically cover the cost of being transported by air from the ship to the nearest land-based hospital. As you can imagine, this can cost a significant amount of money, money which you would have to find yourself if you did not have insurance.

Other elements of protection

Many policies for cruises may also provide cover before and after the cruise. For example, if you are flying to the departure point, you may want to make sure that you are covered for missed departure, delays, airline failure, lost and stolen belongings, and more. Depending on the policy, these may all be covered.

Also check the activities that are covered. Although you will spend a lot of time on the cruise, you may want to take part in various activities when you arrive in the ports. These could include swimming in the sea or something more adventurous like going on a hike. Most insurance providers will have a list of activities that you are covered for, so make sure you know what these are before getting involved in anything.

When reporting recently on things that could invalidate your travel cover, BT highlighted adventurous activities like paragliding and bungee jumping that are often not included. So, if you take part in an adventurous activity and you are not covered for it, in the event of an accident you may have your claim for treatment costs denied.

If you are going on a cruise, whether you take out insurance or not is completely up to you. Many people find that it gives them greater peace of mind to enjoy their holiday knowing that they are covered in a range of circumstances, but the choice is yours. If you do decide that you want cover, look over these details and consider the type of policy that you may need, then start your search.